Review template: copy this page for each insurer you work with (for example carrier-name-review.html) and replace everything in [brackets] with verified details.
Quotient rating[4.X] / 5
AM Best rating[A+]
Policies offered[Term, whole, IUL]
No-exam coverage[Up to $X million]
Our verdict
[Two or three sentences: who this insurer is best for, what it does better than most, and the main trade-off. Example: "Carrier A is a strong choice for healthy people in their 30s and 40s who want a fast, online application. Its prices are among the lowest we see, though applicants over $1 million are more likely to need an exam."]
Pros
- [Pro 1]
- [Pro 2]
- [Pro 3]
Cons
- [Con 1]
- [Con 2]
How it scored
Scores use the same method for every insurer.
Policies offered
| Policy | Coverage | Terms / ages | Exam |
|---|---|---|---|
| [Term life] | [$100K to $X] | [10 to 30 years; ages 18 to X] | [Often no exam] |
| [Whole life] | [$X to $X] | [Ages X to X] | [Varies] |
| [Final expense] | [$5K to $X] | [Ages 50 to 85] | [No exam] |
Riders and features
- [Conversion to permanent coverage until age X]
- [Accelerated death benefit for terminal illness]
- [Waiver of premium]
- [Child rider]
What applying is like
[Describe the steps: online application, phone interview if any, exam requirements, typical time to a decision, and how the policy is delivered.]
Frequently asked questions
Is [Carrier] a good life insurance company?
[Answer in two sentences with the rating and who it suits best.]
Does [Carrier] require a medical exam?
[Answer: no-exam limits and when an exam is required.]
How long does [Carrier] take to approve a policy?
[Answer: typical decision times.]
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